@Brian_Earl_Spilner wrote:Because when it came up in another thread, I realized it was a typo. My TCL is $17k, but I only owed just over $10k
1. But these initial numbers are still correct, right?
Aggregate Utilization: 66%
Number of cards carrying balance: 18 of 19, 10 over 75% UTI, 9 of which over 80%, 8 of which over 90%
2. So your average balance was $526 and your average credit limit is $895? (If so, your aggregate utilization would have been 59%)
Yes, the numbers are correct. I've never added up the card average.
What's throwing you off is my charge card. It's not factored in utilization or cards carrying a balance because it will report as $0, but it's balance was included in the debt.
@SouthJamaica for some reason, office history is acting funny. This is the most recent version I could pull up. It doesn't included updated interest, but factoring in the gold card, shows utilization at 65%.
Applied for a Disco CLi after balance posted to see if paying it off would trigger an increase. Realized the other day that I would get an updated TU8 score.
Letter came in the mail today. TU8 only went up 1 point from when I started, after my recent balance updates. 😑
Decided to sign up for myfico premiere because I found out the scores will update, even if they aren't timely. Also found that my 4th card only updated the balance to EX. TU and EQ are still showing 93% utilization. Updating first post.
You may have to wait a month before everything gets updated 🙄
I do feel your pain! I'm doing the same thing and its slower then snail 🐌
@Brian_Earl_Spilner thank you doing this! I've decided to do the same, I'm hoping this will also keep me from apping all crazy while I update everything.
@Brian_Earl_Spilner wrote:
How many points you think I'll get back once all the balances update?
A 💩load.
That's some serious payoff! It's always hard to pinpoint since everyone's profile is different, but it should be a lot of points!
